WEBSITE TERMS OF USE

Acceptance of the Terms of Use

These
terms of use, together with any documents they expressly incorporate by
reference (collectively, these “Terms of Use”), are
entered into by and between You and LeaseTerm Insurance Group, LLC,
d/b/a LeaseTerm Solutions (“Company”, “we” or “us”). These Terms of
Use govern your access to and use of the Company’s websites including
www.leasetermsolutions.com, www.lpenroll.com, www.apenroll.com,
www.rpenroll.com www.totalprotectenroll.com, and www.propertyprotectenroll.com,
including any content, functionality and services offered on or through such
websites or any related or linked to websites of the Company (each a “Website”
and, collectively, the “Websites”), whether as a
guest or an enrolled user.

Please
read the Terms of Use carefully before you start to use a Website. By using a
Website or by clicking to accept or agree to the Terms of Use when this option
is made available to you, you accept and agree to be bound and abide by these
Terms of Use and our Privacy Policy, found at http://leasetermsolutions.com/privacy.html,
incorporated herein by reference. If you do not want to agree to these Terms of
Use or the Privacy Policy, you must not access or use a Website.

The
Websites are offered and available to users 18 years of age or older who reside
in the United States or any of its territories or possessions. Regardless of
your age, by using a Website, you represent and warrant that you are of legal
age to form a binding contract with the Company in your jurisdiction and that
you meet all of the applicable eligibility requirements to do so in your
jurisdiction. If you do not meet all of these requirements, you must not access
or use the Websites.

Changes to the Terms of Use

We
may revise and update these Terms of Use from time to time in our sole
discretion. All changes are effective immediately when we post them, and apply
to all access to and use of the Websites thereafter. However, any changes to
the dispute resolution provisions set forth in Governing Law and Jurisdiction
will not apply to any disputes for which the parties have actual notice on or
prior to the date the change is posted on the Websites.

Your
continued use of a Website following the posting of revised Terms of Use means
that you accept and agree to the changes. You are expected to check the
Websites from time to time so you are aware of any changes, as they are binding
on you.

Accessing the Websites and Account Security

We
reserve the right to withdraw or amend the Websites, and any service or
material we provide on the Websites, in our sole discretion without notice. We
will not be liable if for any reason all or any part of a Website is
unavailable at any time or for any period. From time to time, we may restrict
access to some parts of a Website, or the entire Website, to users, including
enrolled users.

You
are responsible for:

·Making
all arrangements necessary for you to have access to the Websites.

·Ensuring
that all persons who access the Websites through your internet connection are
aware of these Terms of Use and comply with them.

To
access a Website or some of the resources it offers, you may be asked to
provide certain registration details or other information. It is a condition of
your use of the Websites that all the information you provide on the Websites
is correct, current and complete. You agree that all information you provide to
the Company via a Website or otherwise is governed by our Privacy Policy, found
at http://leasetermsolutions.com/privacy.html, and you consent to all
actions we take with respect to your information consistent with our Privacy
Policy.

If
you choose, or are provided with, a user name, password or any other piece of
information as part of our security procedures, you must treat such information
as confidential, and you must not disclose it to any other person or entity.
You also acknowledge that your account is personal to you and agree not to
provide any other person with access to a Website or portions of it using your
user name, password or other security information. You agree to notify us
immediately of any unauthorized access to or use of your user name or password
or any other breach of security. You also agree to ensure that you exit from
your account at the end of each session. You should use particular caution when
accessing your account from a public or shared computer so that others are not
able to view or record your password or other personal information.

We
have the right to disable any user name, password or other identifier, whether
chosen by you or provided by us, at any time in our sole discretion for any or
no reason, including if, in our opinion, you have violated any provision of
these Terms of Use.

Intellectual Property Rights

The
Websites and their entire contents, features and functionality (including but
not limited to all information, software, text, displays, images, video and
audio, and the design, selection and arrangement thereof), are owned by the
Company, its licensors or other providers of such material and are protected by
United States and international copyright, trademark, patent, trade secret and
other intellectual property or proprietary rights laws.

These
Terms of Use permit you to use the Websites for your personal, non-commercial
use only. You must not reproduce, distribute, modify, create derivative works
of, publicly display, publicly perform, republish, download, store or transmit
any of the material on a Website, except as follows:

·Your
computer may temporarily store copies of such materials in RAM incidental to
your accessing and viewing those materials.

·You
may store files that are automatically cached by your Web browser for display
enhancement purposes.

·You
may print or download one copy of a reasonable number of pages of a Website for
your own personal, non-commercial use and not for further reproduction,
publication or distribution.

·If
we provide desktop, mobile or other applications for download, you may download
a single copy to your computer or mobile device solely for your own personal,
non-commercial use, provided you agree to be bound by our end user license
agreement for such applications.

You
must not:

·Modify
copies of any materials from a Website.

·Use
any illustrations, photographs, video or audio sequences or any graphics
separately from the accompanying text.

·Delete
or alter any copyright, trademark or other proprietary rights notices from
copies of materials from a Website.

You
must not access or use for any commercial purposes any part of a Website or any
services or materials available through a Website.

If
you print, copy, modify, download or otherwise use or provide any other person
with access to any part of a Website in breach of the Terms of Use, your right
to use the Websites will cease immediately and you must, at our option, return
or destroy any copies of the materials you have made. No right, title or
interest in or to the Websites or any content on the Websites is transferred to
you, and all rights not expressly granted are reserved by the Company. Any use
of the Websites not expressly permitted by these Terms of Use is a breach of
these Terms of Use and may violate copyright, trademark and other laws.

Trademarks

The
Company name, the terms “APenroll,” “AssetProtect,” “LeaseProtect,”
“LeaseTerm,” “LeaseTerm Solutions,” “TotalProtect,” “RentersProtect,” and
“PropertyProtect,” and all related names, logos, product and service names,
designs and slogans are trademarks of the Company or its affiliates or
licensors. You must not use such marks without the prior written permission of
the Company. All other names, logos, product and service names, designs and
slogans on a Website are the trademarks of their respective owners.

Prohibited Uses

You
may use the Websites only for lawful purposes and in accordance with these
Terms of Use. You agree not to use the Websites:

·In
any way that violates any applicable federal, state, local or international law
or regulation (including, without limitation, any laws regarding the export of
data or software to and from the U.S. or other countries).

·For
the purpose of exploiting, harming or attempting to exploit or harm minors in
any way by exposing them to inappropriate content, asking for personally
identifiable information or otherwise.

·To
impersonate or attempt to impersonate the Company, a Company employee, another
user or any other person or entity (including, without limitation, by using
e-mail addresses or screen names associated with any of the foregoing).

·To
engage in any other conduct that restricts or inhibits anyone’s use or
enjoyment of the Websites, or which, as determined by us, may harm the Company
or users of the Websites or expose them to liability.

Additionally, you
agree not to:

·Use
the Websites in any manner that could disable, overburden, damage, or impair
the site or interfere with any other party’s use of the Websites, including
their ability to engage in real time activities through the Websites.

·Use
any robot, spider or other automatic device, process or means to access the
Websites for any purpose, including monitoring or copying any of the material
on the Websites.

·Use
any manual process to monitor or copy any of the material on the Websites or
for any other unauthorized purpose without our prior written consent.

·Use
any device, software or routine that interferes with the proper working of the
Websites.

·Introduce
any viruses, Trojan horses, worms, logic bombs or other material which is
malicious or technologically harmful.

·Attempt
to gain unauthorized access to, interfere with, damage or disrupt any parts of
the Websites, the server on which the Websites are stored, or any server,
computer or database connected to the Websites.

·Attack
the Websites via a denial-of-service attack or a distributed denial-of-service
attack.

·Otherwise
attempt to interfere with the proper working of the Websites.

Reliance on Information Posted

The
information presented on or through the Websites is made available solely for
general information purposes. We do not warrant the accuracy, completeness or
usefulness of this information. Any reliance you place on such information is strictly
at your own risk. We disclaim all liability and responsibility arising from any
reliance placed on such materials by you or any other visitor to the Websites,
or by anyone who may be informed of any of its contents.

The
Websites may include content provided by third parties, including materials
provided by other users, bloggers and third-party licensors, syndicators,
aggregators and/or reporting services. All statements and/or opinions expressed
in these materials, and all articles and responses to questions and other
content, other than the content provided by the Company, are solely the
opinions and the responsibility of the person or entity providing those
materials. These materials do not necessarily reflect the opinion of the
Company. We are not responsible, or liable to you or any third party, for the
content or accuracy of any materials provided by any third parties.

Changes to the Website

We
may update the content on the Website from time to time, but its content is not
necessarily complete or up-to-date. Any of the material on the Websites may be
out of date at any given time, and we are under no obligation to update such
material.

Information About You and Your Visits to the Website

All
information we collect on the Websites is subject to our Privacy Policy http://leasetermsolutions.com/privacy.html.
By using a Website, you consent to all actions taken by us with respect to your
information in compliance with the Privacy Policy.

Online Purchases and Other Terms and Conditions

Some
of the Company’s product or services require you to pay certain fees, as
described in the specific conditions provided to you when such products or
services are offered. You agree to pay all fees and charges that you incur via
a Website. All fees and charges are payable in accordance with payment terms
in effect at the time the fee or the charge becomes payable.

The
information provided through the Websites is intended for general reference
only and may not describe all of the terms, conditions and exceptions
applicable to the Company’s products and services. All purchases through the
Websites or other transactions for the sale of products or services through the
Websites or as a result of visits made by you are governed by the terms and
conditions provided to you at the time of purchase or shortly thereafter, which
are hereby incorporated into these Terms of Use. All insurance coverages are
subject to the terms and conditions of the insurance policies issued. Coverage
and its availability may vary by State and your individual circumstances, and
additional minimum coverage limits may be required in your State. The products
and services offered via the Websites are only available in the jurisdictions
in which the Company is properly licensed. Refunds of premiums paid for
insurance products purchased from the Company are subject to actual coverage
periods and the determination of unearned premium amounts.

THERE
IS NO GUARANTEE THAT YOU WILL BE APPROVED AND OFFERED AN INSURANCE PRODUCT OR
SERVICE EVEN AFTER YOU COMPLETE FORMS ON THE WEBSITES AND/OR SUBMIT INFORMATION
TO THE COMPANY.

The
Company may be required by State or Federal law to notify you of certain
events. You hereby acknowledge and consent that such notices will be effective
upon our posting them on the Websites or delivering them to you via the e-mail
address provided.

Additional
terms and conditions may also apply to specific portions, services or features
of a Website. All such additional terms and conditions are hereby incorporated
by this reference into these Terms of Use.

Underwriting Entities

The Company provides the following information pursuant to various State insurance
laws in regard to the insurer underwriting any coverage for the Company’s
products. Each insurer has sole financial responsibility for its own products.

You
may link to the homepage of a Website, provided you do so in a way that is fair
and legal and does not damage our reputation or take advantage of it, but you
must not establish a link in such a way as to suggest any form of association,
approval or endorsement on our part without our express written consent.

The
Websites may provide certain social media features that enable you to:

·Link
from your own or certain third-party websites to certain content on a Website.

·Send
e-mails or other communications with certain content, or links to certain
content, on a Website.

·Cause
limited portions of content on a Website to be displayed or appear to be
displayed on your own or certain third-party websites.

You
may use these features solely as they are provided by us, solely with respect
to the content they are displayed with and otherwise in accordance with any
additional terms and conditions we provide with respect to such features.
Subject to the foregoing, you must not:

·Establish
a link from any website that is not owned by you.

·Cause
a Website or portions of it to be displayed, or appear to be displayed by, for
example, framing, deep linking or in-line linking, on any other site.

·Link
to any part of a Website other than the homepage.

·Otherwise
take any action with respect to the materials on a Website that is inconsistent
with any other provision of these Terms of Use.

You
agree to cooperate with us in causing any unauthorized framing or linking
immediately to cease. We reserve the right to withdraw linking permission without
notice.

We
may disable all or any social media features and any links at any time without
notice in our discretion.

Links from the Websites

If
a Website contains links to other sites and resources provided by third
parties, these links are provided for your convenience only. This includes
links contained in advertisements, including banner advertisements and
sponsored links. We have no control over the contents of those sites or
resources, and accept no responsibility for them or for any loss or damage that
may arise from your use of them. If you decide to access any of the third party
websites linked to a Website, you do so entirely at your own risk and subject
to the terms and conditions of use for such websites. You should read the privacy
policies and terms of use agreements of all third-party websites.

Geographic Restrictions

The
owner of the Websites is based in the State of Georgia in the United States. We
provide the Websites for use only by persons located in the United States. We make
no claims that a Website or any of its content is accessible or appropriate
outside of the United States. Access to the Websites may not be legal by
certain persons or in certain countries. If you access a Website from outside
the United States, you do so on your own initiative and are responsible for
compliance with local laws.

Disclaimer of Warranties

You
understand that we cannot and do not guarantee or warrant that files available
for downloading from the internet or the Websites will be free of viruses or
other destructive code. You are responsible for implementing sufficient
procedures and checkpoints to satisfy your particular requirements for
anti-virus protection and accuracy of data input and output, and for
maintaining a means external to our site for any reconstruction of any lost
data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED
DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL
THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER
PROPRIETARY MATERIAL DUE TO YOUR USE OF A WEBSITE OR ANY SERVICES OR ITEMS
OBTAINED THROUGH A WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT,
OR ON ANY WEBSITE LINKED TO IT.

YOUR
USE OF THE WEBSITES, THEIR CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH
THE WEBSITES IS AT YOUR OWN RISK. THE WEBSITES, THEIR CONTENT AND ANY SERVICES
OR ITEMS OBTAINED THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS
AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY
WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY,
RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITES. WITHOUT
LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE
COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITES, THEIR CONTENT OR ANY SERVICES
OR ITEMS OBTAINED THROUGH THE WEBSITES WILL BE ACCURATE, RELIABLE, ERROR-FREE
OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT A WEBSITE OR THE SERVER
THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT
THE WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES WILL
OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE
COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR
IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF
MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THE
COMPANY MAKES NO REPRESENTATION AS TO THE FINANCIAL OR OTHER SUITABILITY OF ANY
PRODUCT OR SERVICE DESCRIBED ON THE WEBSITES. THE RECOMMENDATION OF PRODUCTS
OR SERVICES PROVIDED ON THE WEBSITES IS MERELY A SUGGESTION AND IS, IN NO WAY,
A REPRESENTATION THAT SUCH PRODUCT OR SERVICE IS THE BEST OR MOST SUITABLE PRODUCT
FOR YOU.

THE
FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED
UNDER APPLICABLE LAW.

Limitation on Liability

IN
NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE
PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF
ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR
USE, OR INABILITY TO USE, THE WEBSITES, ANY WEBSITES LINKED TO THEM, ANY
CONTENT ON THE WEBSITES OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED
THROUGH THE WEBSITES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT,
SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT
LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF
REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE,
LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING
NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

THE
FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED
UNDER APPLICABLE LAW.

Indemnification

You
agree to defend, indemnify and hold harmless the Company, its affiliates,
licensors and service providers, and its and their respective officers,
directors, employees, contractors, agents, licensors, suppliers, successors and
assigns from and against any claims, liabilities, damages, judgments, awards,
losses, costs, expenses or fees (including reasonable attorneys’ fees) arising
out of or relating to your violation of these Terms of Use or your use of the
Websites, including, but not limited to, any use of the Website’s content,
services and products other than as expressly authorized in these Terms of Use
or your use of any information obtained from the Websites.

Governing Law and Jurisdiction

All
matters relating to the Websites and these Terms of Use and any dispute or
claim arising therefrom or related thereto (in each case, including
non-contractual disputes or claims), shall be governed by and construed in
accordance with the internal laws of the State of Georgia without giving effect
to any choice or conflict of law provision or rule (whether of the State of
Georgia or any other jurisdiction).

Any
legal suit, action or proceeding arising out of, or related to, these Terms of
Use or the Websites shall be instituted exclusively in the federal courts of
the United States or the courts of the State of Georgia in each case located in
the City of Atlanta and County of Fulton although we retain the right to bring
any suit, action or proceeding against you for breach of these Terms of Use in
your state or country of residence or any other relevant state or country. You
waive any and all objections to the exercise of jurisdiction over you by such
courts and to venue in such courts.

Arbitration

At
the Company’s sole discretion, it may require You to submit any disputes
arising from the use of these Terms of Use or the Websites, including disputes
arising from or concerning their interpretation, violation, invalidity,
non-performance, or termination, to final and binding arbitration under the
Rules of Arbitration of the American Arbitration Association applying Georgia
law.

Limitation on Time to File Claims

ANY
CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS
OF USE OR A WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF
ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver and Severability

No
waiver of by the Company of any term or condition set forth in these Terms of
Use shall be deemed a further or continuing waiver of such term or condition or
a waiver of any other term or condition, and any failure of the Company to
assert a right or provision under these Terms of Use shall not constitute a
waiver of such right or provision.

If
any provision of these Terms of Use is held by a court or other tribunal of
competent jurisdiction to be invalid, illegal or unenforceable for any reason,
such provision shall be eliminated or limited to the minimum extent such that
the remaining provisions of the Terms of Use will continue in full force and
effect.

Entire Agreement

The
Terms of Use, our Privacy Policy and any additional terms and conditions
incorporated herein constitute the sole and entire agreement between you and
LeaseTerm Insurance Group, LLC with respect to the Websites and supersede all
prior and contemporaneous understandings, agreements, representations and
warranties, both written and oral, with respect to the Websites.